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The popular online mode allows players to build their dream XIs by earning coins and spending them on packs or buying individual cards.
Alternatively, players can use real-world money to convert into FIFA Points and spend them on packs.
The FIFA publisher has been widely criticised for its use of loot boxes and microtransactions, even facing different lawsuits over the idea its titles are 'rigged' and 'forces' players to spend money.
EA Sports has recently been thrust back into the spotlight with the 'EAGate scandal,' where an alleged staff member sold rare Ultimate Team cards to players for thousands of dollars.
Now, Twitch streamer and YouTuber ScudzTV took to Twitter to showcase how long it would actually take to build a dream team without using microtransactions.
ScudzTV's Ultimate Team boasted an incredible 11 'Icon' cards, but he sarcastically revealed that it was only a "mere 100 million coin team."
According to the YouTuber, it would take a "mere" 66,666 matches to reach that coinage so long as the player averaged 1,500 coins per match and also accounted for weekly rewards.
ScudzTV added that if the average match was around 20 minutes, then it would take the player "22,000 hours of gameplay or 916 days of gameplay" to hit the 100m-coin target.
When it comes to turning a profit on the transfer market, EA Sports applies a five per cent tax for any item sold on Ultimate Team.
ScudzTV crunched the numbers and found another problem that players would face in building their dream team.
"Assuming an average of 10,000 coins profit per trade I need to make a mere 10,000 trades," he tweeted.
"Assuming I trade 10k every 10 minutes, I will need to trade for 1,650 hours or 69 days of trading 24/7."
ScudzTV added in a separate tweet: "Assuming an average of 100,000 coins profit per 12k FIFA Points spend I need to purchase 1000x 12k FP.
"At a cost of £79.99 per 12k, I will need to spend a total of £79,990 on FIFA Points."
FIFA 21 initially launched on PlayStation 4, Xbox One, Nintendo Switch and PC last October.
EA Sports has since released its latest instalment on PlayStation 5, Xbox Series X and Google Stadia.
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